Starting in 2027, something is set to be introduced in Germany that could be of interest to any long-term investor:

The government-subsidized retirement savings account.

And no—I don’t just mean the next Riester plan.

For the first time, this new model will make it possible to invest in a return-oriented account with government subsidies, without a traditional contribution guarantee.

Put simply:

You invest for the long term.

The government matches your contributions.

And your money can grow in the capital markets.

What’s currently planned?

The new subsidy was actually improved even further during the legislative process.

For the first €360 of your own contribution , there is a subsidy of 50%.

For additional contributions up to a total of 1,800 € per year there is 25%.

This results in up to:

€540 in basic government allowance per year

is possible.

And child allowances may also be of interest to parents.

This means, if fully utilized:

€1,800 of your own money +

€540 in government support

€2,340 per year

that can go toward your retirement savings.

And now it gets interesting.

How does this differ from the old Riester plan?

The new retirement savings account is intended to be significantly more capital-market-oriented.

Among other things, it should be possible to invest in the stock market over the long term via funds and ETFs.

There’s also a subsidy-eligible account without a guarantee.

Of course, this means:

Higher potential returns = higher risk.

But that’s exactly what I find interesting.

Because if you still have decades until retirement, a broadly diversified stock portfolio can be much more attractive in the long term than a product that sacrifices a large portion of its potential returns for guarantees.

And now for my actual question for you:

Would you open a portfolio like this?

Personally, I find the idea exciting:

My regular investment account remains my regular investment account.

And in addition, I could build up a government-subsidized retirement savings component.

Not either stocks or retirement savings.

But rather:

Stocks + ETFs + government subsidies.

If the government is already co-financing part of my savings plan, why not at least explore this option?

Of course, you have to take a close look beforehand at the costs, investment terms, eligible securities, and—later on—the taxation of the payout.

Because “government-subsidized” doesn’t automatically mean “good product.”

The product has to be the right fit in the end.

But one thing is certain for me:

Anyone investing for the long term should take a very close look at this option in 2027.

And perhaps we investors should start looking into it now—before the first banks and brokers launch their products on the market.

What do you think:

Would you contribute €1,800 a year to such an account if it came with up to €540 in subsidies?

Or would you rather stick entirely with your regular investment account?

#Altersvorsorge
#Aktien
#ETF
#Investieren
#Rente
#Finanzen
#Vermögensaufbau

$MSCI (-1,02%)
$SPY (+0,28%)
$IWDA (+0,34%)

I've been thinking for a while now about selling all my individual stocks and just continuing to invest in my three ETFs ($IWDA (+0,34%) , $VHYL (+0,25%) , $TDIV (+0,18%) ) in order to be in a more stable position for the future. Most of my holdings are already included in at least one of the three ETFs anyway. Today I took the next step and $MRK (-0,36%) , $6501 (+2,06%) and $WUW (+0,34%) sold off to increase my position in $VHYL (+0,25%) . In the long term (> 5 years), this strategy should pay off.

What do you think of this strategy?

The entire position in the S&P 500 Information Technology ETF
$IUIT (+0,92%) was sold and specifically invested in McDonald’s $MCD (-0,94%) , PepsiCo
$PEP (+0,22%) and the L&G Global Quality Dividends ETF
$LDGL (-0,19%) .

The reasons for this decision:

• Less volatility: Following the sharp price increases in the technology sector, I would like to make the portfolio more defensive and reduce its exposure to highly valued tech stocks.

• More cash flow: The focus is shifting more toward regular dividend income rather than solely on price appreciation. The goal is a steadily growing monthly cash flow.

• Attractive valuations: In my view, both McDonald’s and PepsiCo are currently trading at attractive valuation levels. Both companies have strong brands, robust business models, and a decades-long history of rising dividends.

• Greater diversification: The L&G Global Quality Dividends ETF adds high-quality dividend-paying companies from around the world to the portfolio and ensures broader diversification.

• Reduced concentration risk: The technology sector now also has $IWDA (+0,34%) . This rebalancing reduces dependence on a few large tech companies and makes the portfolio more balanced.

For me, this is not a move away from technology—tech remains a significant component of the portfolio via the MSCI World. Rather, the goal is to broaden the portfolio, reduce concentration risk, and place greater emphasis on stable cash flow, quality, and predictable long-term dividend income .

With 20k in self-saved startup capital and a savings rate that at times reached up to 90%, I started investing in 2022. Today, I’m 24 years old and am close to reaching a portfolio value of 200k.

My strategy is intentionally simple: a long-term buy-and-hold approach based on ETFs, supplemented by selected individual stocks, crypto, and commodities. Even today, I still invest about 75% of my income.

I’d be interested to hear what you think of my portfolio. If you were in my shoes, would you change anything? More ETFs, a higher cash allocation, or a different focus?

I look forward to your feedback and a constructive discussion. 📈$IWDA (+0,34%)